Intelligent automobile short-term insurance recommendation method, system, device and equipment and storage medium

Abstract

The invention discloses an intelligent automobile short-term insurance recommendation method, system, device and equipment and a storage medium. The intelligent automobile short-term insurance recommendation method comprises the following steps: establishing insurance product and risk guarantee management service taking a family as a unit for a driver; the intelligent automobile recognizes driver identity information; identifying that the driver is about to leave a preset geographical range; sending short insurance product recommendation information to family members of the driver; after the information that the family member purchases the insurance product for the driver is received, short insurance product purchase success prompt information is sent to the driver; the scheme has the characteristics of providing personalized guarantee service, ensuring that the driver enjoys insurance service in the journey, promoting emotional connection among family members, improving the purchase satisfaction of the driver and the transaction rate of insurance products, and the like.

Description

Technical Field

[0001] This invention relates to the field of intelligent vehicle short-term insurance recommendation services, and particularly to an intelligent vehicle short-term insurance recommendation method, system, device, equipment, and storage medium. Background Technology

[0002] Against the backdrop of rapid development in intelligent vehicles and mobile internet technology, the short-term insurance market is facing unprecedented opportunities and challenges. Short-term insurance products, such as travel, accident, and car insurance, are increasingly favored by consumers due to their flexibility and cost-effectiveness. However, the sales of these insurance products still face significant obstacles, especially in meeting temporary and immediate protection needs.

[0003] The main limitations in the current market are: First, the lack of an efficient customer identification and demand forecasting mechanism makes it difficult to provide accurate insurance recommendations during the "golden period" before customers travel; Second, the insurance purchase process is not convenient enough for busy potential users, especially while driving, where safety and operational limitations make immediate purchase almost impossible; Third, individual insurance purchases are often conducted in isolation, failing to fully utilize the potential for mutual support and joint risk management among family members, resulting in incomplete coverage or duplicate purchases.

[0004] In particular, it is common for users to forget to purchase necessary short-term insurance due to busy schedules or negligence, resulting in a lack of effective protection at critical moments. This phenomenon is especially prominent during emergency travel or unplanned trips. Furthermore, although insurance companies are aware of this problem, they are limited by traditional marketing channels and technological means, making it difficult to capture and respond to users' immediate insurance needs in real time, thus missing market opportunities and affecting customer satisfaction and business growth.

[0005] Therefore, there is an urgent need for an innovative intelligent short-term auto insurance recommendation system. This system should have the ability to intelligently identify user status and predict insurance needs, and should be able to effectively utilize home networks to facilitate the rapid and seamless purchase of insurance products, ensuring that users can receive customized protection services at any time. Summary of the Invention

[0006] To achieve the above objectives, the inventors provide a method for recommending short-term insurance for intelligent vehicles, comprising the following steps:

[0007] Establish family-based insurance products and risk protection management services for drivers;

[0008] Intelligent vehicles can identify driver identity information;

[0009] Identify when the driver is about to leave a preset geographical area;

[0010] Send short-term insurance product recommendations to the driver's family members;

[0011] After receiving information from a family member that a short-term insurance product has been purchased for the driver, a notification message will be sent to the driver indicating that the purchase of the short-term insurance product has been successful.

[0012] As a preferred embodiment of the present invention, identifying that the driver is about to leave the preset geographical area includes determining whether the driver is about to leave the preset geographical area through navigation positioning or through the driver's smart wearable device.

[0013] As a preferred embodiment of the present invention, before sending short-term insurance product recommendation information to the driver's family members, the method further includes the step of: obtaining the driver's insurance purchase history and using the purchase history as part of the recommendation information.

[0014] As a preferred embodiment of the present invention, obtaining the driver's insurance purchase history includes the same purchase history as the recommended short-term insurance product.

[0015] As a preferred embodiment of the present invention, sending short-term insurance product recommendation information to the driver's family members includes sending it according to the selection order of family members, wherein the selection order of family members is as follows: family members who are spouses, parents, and family members aged between 22 and 55 years old.

[0016] As a preferred embodiment of the present invention, after receiving information that a family member has purchased an insurance product for the driver, the invention further includes sending a notification message indicating that the insurance product has been successfully purchased to other family members who have already sent recommendation information.

[0017] To achieve the above objectives, the inventors also provide an intelligent short-term car insurance recommendation system, comprising:

[0018] The family insurance products and risk protection management service module is used to establish family member relationships and manage family members' insurance product information;

[0019] Intelligent vehicle identification module, used to identify driver identity information;

[0020] The geographic range recognition module is used to identify whether the driver is about to leave the preset geographic range;

[0021] The short-term insurance product recommendation module is used to send short-term insurance product recommendation information to the driver's family members;

[0022] The purchase success notification module is used to send a short-term insurance product purchase success notification message to the driver after receiving information from a family member that the driver has purchased an insurance product.

[0023] To achieve the above objectives, the inventors also provide an intelligent vehicle short-term insurance recommendation device, comprising:

[0024] A device for managing family insurance products and risk protection services, used to establish family member relationships and manage family members' insurance product information;

[0025] Intelligent vehicle identification device, used to identify driver identity information;

[0026] A geographic range identification device is used to identify whether the driver is about to leave a preset geographic range;

[0027] A short-term insurance product recommendation device is used to send short-term insurance product recommendation information to the driver's family members;

[0028] The successful purchase notification device is used to send a short-term insurance product purchase success notification message to the driver after receiving information from a family member that the driver has purchased an insurance product.

[0029] To achieve the above objectives, the inventors also provide an intelligent vehicle short-term insurance recommendation device, comprising: a memory and at least one processor, wherein the memory stores instructions, and the memory and the at least one processor are interconnected via a circuit;

[0030] The at least one processor invokes the instructions in the memory to cause the smart car short-term insurance recommendation device to perform the method described in any one of the above-described inventions.

[0031] To achieve the above objectives, the inventors also provide a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the method described in any one of the above inventions.

[0032] Unlike existing technologies, the above technical solution achieves the following beneficial effects:

[0033] (1) Refined family risk management: By constructing an insurance management framework based on the family as a unit, the integrated management and personalized matching of the insurance needs of family members are realized. Compared with traditional individual insurance recommendations, the comprehensiveness and accuracy of protection configuration are improved, and the optimal allocation of family insurance assets is promoted.

[0034] (2) Predictive intelligent recommendation: By integrating intelligent vehicle technology and geolocation services, this invention can accurately predict the driver's trip and push relevant short-term insurance products in a timely manner. Compared with non-predictive recommendation systems on the market, early intervention shortens the selection time and significantly improves the timeliness of insurance purchase and the immediacy of travel protection.

[0035] (3) Enhance family participation and emotional connection: By analyzing the driver's historical purchase records and pushing them to suitable family members, this invention not only solves the problem of individuals forgetting to purchase insurance, but also deepens the emotional bond within the family. According to preliminary user feedback, it increases the proportion of family assistance in purchasing insurance and enhances the emotional value and social support role of insurance purchase.

[0036] (4) Improve user satisfaction and conversion efficiency: After implementing this invention, users receive an instant notification that their family members have successfully purchased insurance for them, which improves their purchase satisfaction. At the same time, the transaction rate of insurance products increases significantly, proving that the solution has dual effectiveness in optimizing user experience and business results. Attached Figure Description

[0037] Figure 1 The flowchart of the intelligent vehicle short-term insurance recommendation method is shown in the specific implementation.

[0038] Figure 2 This is a framework diagram of the intelligent vehicle short-term insurance recommendation system described in a specific implementation method;

[0039] Figure 3 A schematic diagram of the intelligent vehicle short-term insurance recommendation device described in a specific implementation;

[0040] Figure 4 This is a schematic diagram of the intelligent vehicle short-term insurance recommendation device described in a specific implementation.

[0041] Explanation of reference numerals in the attached figures:

[0042] 101. Home insurance product and risk protection management service device; 102. Intelligent vehicle identification device; 103. Geographic range identification device; 104. Short-term insurance product recommendation device; 105. Purchase success notification device; 201. Processor; 202. Power supply; 203. Wired or wireless network interface; 204. Input / output interface; 205. Operating system; 206. Data; 207. Application program; 208. Storage medium; 209. Memory. Detailed Implementation

[0043] To explain in detail the technical content, structural features, objectives, and effects of the technical solution, the following description is provided in conjunction with specific embodiments and accompanying drawings.

[0044] like Figure 1 As shown, this embodiment provides a method for recommending short-term insurance for intelligent vehicles, including the following steps:

[0045] Establish family-based insurance products and risk protection management services for drivers;

[0046] Intelligent vehicles can identify driver identity information;

[0047] Identify when the driver is about to leave a preset geographical area;

[0048] Send short-term insurance product recommendations to the driver's family members;

[0049] After receiving information from a family member that a short-term insurance product has been purchased for the driver, a notification message will be sent to the driver indicating that the purchase of the short-term insurance product has been successful.

[0050] In the specific implementation of this embodiment, establishing family-based insurance products and risk protection management services for drivers can be centered on the family's breadwinner, establishing family member relationships, and managing the insurance product information of each family member. The intelligent vehicle identifies the driver's identity information using an in-vehicle intelligent identification system, including but not limited to biometric technology and account login verification, to automatically identify the driver's identity information. Specifically, facial recognition via a camera can be used to obtain the driver's identity information, generally the vehicle owner or a family member of the vehicle owner. When it is detected that the driver is about to leave a preset geographical area, the preset geographical area can usually be customized by the user or set based on historical travel patterns, such as the driver's residence, within a city, or a geographical area represented by city name or province name. Specifically, the location data of the driver can be monitored and analyzed using integrated Global Positioning System (GPS) and / or smart wearable devices to determine whether the driver is about to leave the preset geographical area.

[0051] In some embodiments, before sending short-term insurance product recommendation information to the driver's family members, the steps may include: obtaining the driver's insurance purchase history, especially purchase records that are the same as the recommended short-term insurance products, and automatically generating a suitable short-term insurance product recommendation list by using all or part of the purchase records as part of the recommendation information; and sending the recommendation information containing short-term insurance product notifications to at least one family member through an in-vehicle communication system or an electronic communication method registered by the family member.

[0052] The criteria for selecting which family member to send the recommendation message to include the following order: priority is given to family members who are spouses, followed by parents, and then family members aged 22-55. The process of sending recommendation messages to family members also includes recording which family members received the recommendation message.

[0053] In the above embodiment, after receiving information that a family member has purchased an insurance product for the driver, the system also includes sending a notification message that the insurance product has been successfully purchased to other family members who have already sent recommendation information.

[0054] like Figure 2 As shown, this embodiment also provides an intelligent short-term car insurance recommendation system, including:

[0055] The Family Insurance Products and Risk Protection Management Service Module is used to establish family member relationships and manage family members' insurance product information; this module can store and manage family members' personal information, insurance product preferences, and historical purchase records.

[0056] Intelligent vehicle identification module, used to identify driver identity information;

[0057] The geographic range recognition module is used to identify whether the driver is about to leave the preset geographic range;

[0058] The short-term insurance product recommendation module is used to send short-term insurance product recommendation information to the driver's family members;

[0059] The purchase success notification module is used to send a short-term insurance product purchase success notification message to the driver after receiving information from a family member that the driver has purchased an insurance product.

[0060] During the operation of this system, the steps of the intelligent vehicle short-term insurance recommendation method in the above embodiments were also executed or completed.

[0061] like Figure 3 As shown, this embodiment also provides an intelligent vehicle short-term insurance recommendation device, including:

[0062] Family insurance product and risk protection management service device 101 is used to establish family member relationships and manage family member insurance product information;

[0063] Intelligent vehicle identification device 102 is used to identify driver identity information;

[0064] Geographic range identification device 103 is used to identify whether the driver is about to leave the preset geographic range;

[0065] The short-term insurance product recommendation device 104 is used to send short-term insurance product recommendation information to the driver's family members;

[0066] Purchase success notification device 104 is used to send a short-term insurance product purchase success notification message to the driver after receiving information that a family member has purchased an insurance product for the driver.

[0067] In the specific implementation of this embodiment, the device also executes and completes the steps of the intelligent vehicle short-term insurance recommendation method in the above embodiment.

[0068] like Figure 4 As shown, this embodiment also provides an intelligent vehicle short-term insurance recommendation device, including: a memory 209 and at least one processor 201, wherein the memory stores instructions, and the memory and at least one processor are interconnected via a line;

[0069] At least one processor invokes the instructions in the memory to cause the smart car short-term insurance recommendation device to perform the method described in any of the above embodiments.

[0070] Intelligent vehicle short-term insurance recommendation devices can vary significantly due to differences in configuration or performance. They may include one or more central processing units (CPUs) 201 and memory 209, and one or more storage media 208 storing application programs 207 or data 206. The memory and storage media can be temporary or persistent storage. The program stored in the storage media may include one or more modules (not shown in the diagram), each module including a series of instruction operations on the intelligent vehicle short-term insurance recommendation device. Furthermore, the processor may be configured to communicate with the storage media and execute the series of instruction operations stored in the storage media on the intelligent vehicle short-term insurance recommendation device.

[0071] The intelligent vehicle short-term insurance recommendation device may also include one or more power supplies 202, one or more wired or wireless network interfaces 203, one or more input / output interfaces 204, and / or one or more operating systems 205, such as Windows Server, Mac OS X, Unix, Linux, FreeBSD, etc. Those skilled in the art will understand that... Figure 4 The structure of the intelligent vehicle short-term insurance recommendation device shown does not constitute a limitation on the intelligent vehicle short-term insurance recommendation device. It may include more or fewer components than shown, or combine certain components, or have different component arrangements.

[0072] In some embodiments, a computer-readable storage medium is also provided, on which a computer program is stored. When executed by a processor, the computer program implements the steps of any of the methods described in the above embodiments. If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of the present invention. The aforementioned storage medium includes various media capable of storing program code, such as a USB flash drive, a portable hard drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk.

[0073] In summary, in the above embodiments, this invention identifies when a driver is about to leave a preset geographical area through navigation information or the driver's smart wearable device, and sends short-term insurance product recommendations to their family members. This allows family members to purchase short-term insurance products for the driver in a timely manner, providing protection. Including the driver's insurance purchase history in the recommendation information improves the reliability of the recommendation and enhances the family members' willingness to purchase.

[0074] It should be noted that although the above embodiments have been described herein, this does not limit the scope of patent protection of the present invention. Therefore, any changes and modifications made to the embodiments described herein based on the innovative concept of the present invention, or equivalent structural or procedural transformations made using the content of the present invention's specification and drawings, directly or indirectly applying the above technical solutions to other related technical fields, are all included within the scope of patent protection of the present invention.

Claims

1. A method for recommending a short-term insurance for an intelligent automobile, characterized by comprising: The method comprises the steps of: establishing a family-based insurance product and risk guarantee management service for a driver; identifying driver identity information by a smart car; identifying that the driver is about to leave a preset geographical range; sending short-term insurance product recommendation information to family members of the driver; after receiving information that a family member has purchased an insurance product for the driver, sending short-term insurance product purchase success prompt information to the driver. 2.The intelligent automobile short-term insurance recommendation method of claim 1, wherein: Identifying that the driver is about to leave a preset geographical range includes determining whether the driver is about to leave the preset geographical range through navigation positioning or through the driver's smart wearable device. 3.The intelligent automobile short-term insurance recommendation method of claim 1, characterized in that: Before sending short-term insurance product recommendation information to family members of the driver, the method further comprises the steps of: obtaining the driver's insurance purchase history record, and taking the purchase record as part of the recommendation information. 4.The intelligent automobile short-term insurance recommendation method of claim 3, characterized in that: Obtaining the driver's insurance purchase history record includes the same purchase record as the recommended short-term insurance product. 5.The intelligent automobile short-term insurance recommendation method of claim 1, characterized in that: Sending short-term insurance product recommendation information to family members of the driver includes sending in accordance with a family member selection order, the family member selection order being: family members in a husband-wife relationship, parents, and family members aged between 22 and 55. 6.The intelligent automobile short-term insurance recommendation method of claim 1, characterized in that: After receiving information that a family member has purchased an insurance product for the driver, the method further comprises sending insurance product purchase success prompt information to other family members who have received the recommendation information. 7.A smart automobile short-term insurance recommendation system, characterized in that, The method comprises: a family insurance product and risk guarantee management service module for establishing family member relationships and managing insurance product information of family members; a smart car identity recognition module for identifying driver identity information; a geographical range recognition module for identifying whether the driver is about to leave a preset geographical range; a short-term insurance product recommendation module for sending short-term insurance product recommendation information to family members of the driver; a purchase success prompt module for sending short-term insurance product purchase success prompt information to the driver after receiving information that a family member has purchased an insurance product for the driver.

8. An intelligent automobile short-term insurance recommendation device, characterized by comprising: The method comprises: a family insurance product and risk guarantee management service device for establishing family member relationships and managing insurance product information of family members; a smart car identity recognition device for identifying driver identity information; a geographical range recognition device for identifying whether the driver is about to leave a preset geographical range; a short-term insurance product recommendation device for sending short-term insurance product recommendation information to family members of the driver; a purchase success prompt device for sending short-term insurance product purchase success prompt information to the driver after receiving information that a family member has purchased an insurance product for the driver. 9.A smart automobile short-term insurance recommendation device, characterized by, The method comprises: a memory and at least one processor, the memory having instructions stored therein, the memory and the at least one processor being interconnected by a circuit; the at least one processor calling the instructions in the memory to cause the smart car short-term insurance recommendation device to perform the method of any one of claims 1-6.

10. A computer readable storage medium having stored thereon a computer program, characterized in that: The computer program, when executed by a processor, implements the steps of the method of any one of claims 1-6.

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